Kodi n'zotheka kubweza ngongole ya wogula ndi kholo la kholo? Kodi mungabwezere bwanji ngongole ndi kholo lalikulu?

Mayi oyembekezera kubadwa ndi mwayi waukulu kwa banja lalikulu kuti apeze nyumba zawo. Pulogalamuyi ikulolani kuti mukhale ndi malo abwino, pogwiritsa ntchito ndalama zowonjezera za boma. Koma kodi n'zotheka kulipira ngongole ya wogula ndi kholo lalikulu?

Kodi kalata ya lamulo imati chiyani?

Malinga ndi malamulo omwe akuchitika tsopano ku Russian Federation, matkapital ikulamulidwa ndi malamulo angapo. Choncho, thandizo lothandizira ku boma likuperekedwa malinga ndi lamulo la Federal No. 265-FZ "Pazinthu Zowonjezereka Zothandizira Boma la Ana ndi Ana," molingana ndi lamulo la 29.12.06, lomwe limatchula malamulo oti apereke ndalama zothandizira mabanja kuti akonze malo. Kugwiritsa ntchito chithandizo cha chithandizo cha anthu kumayendetsedwa ndi Article 10 265-FZ.

Pambuyo powerenga malamulo onse omwe ali pamwambawa, ndizomveka kudziwa ngati kuli kotheka kubweza ngongole ndi wogulitsa kholo. Ndipo chifukwa cha izi ndikofunika kudziŵa momwe ndalama zamagalimoto zimagwiritsidwira ntchito.

Kodi mungagwiritse ntchito chithandizo chotani?

Malinga ndi zochitika za malamulo ndi malamulo a boma, kholo lalikulu (ndalama zake zonse kapena gawo) lingagwiritsidwe ntchito pazinthu zotsatirazi:

• Kugula kumaliza kapena kumanga nyumba;
• Kuti akwaniritse maudindo omwe akukonzekera kusintha ndondomeko ya nyumba motsatira njira yawo.

Pachifukwa ichi, matkapital ikhoza kugwiritsidwa ntchito ngati ndalama kapena gawo loyamba la kubwereketsa ndi ngongole zina . Komabe, malo omwe mumasankha sakuyenera kukuthandizani pazinthu zonse, komanso mugawo, osati kunja kwa Russian Federation.

Kugulitsa kumapangidwira kugula nyumba kapena malo ena enieni mu umwini wamba wa ana, makolo ndi anthu ena ammudzi omwe amakhala pa malo omwewo. Monga mukuonera, palibe chidziwitso cha ngati kuli kotheka kulipira ngongole ya wogula ndi kholo la kholo.

Ndi chiyani chinanso chomwe mungagwiritse ntchito ndalama kuchokera ku boma?

Kugwiritsira ntchito ndalama kapena ndalama zonse mwakamodzi kungakhale chifukwa cha kuwonjezeka kwa penshoni ya ntchito, yomwe ndi gawo lake la ndalama (kwa mayi wa mwana). Monga malipiro a malo osasamala omwe amagula nyumba ya banja la Russia, lomwe liri ndi chilembo cha banja lalikulu.

Komanso, matkapital ikhoza kupita kulipira ntchito mu maphunziro a ana osakwana zaka 25. Zotheka ngati kuli kotheka kubweza ngongole ya wogula ndi likulu la amayi, tidzakuuzani mtsogolo.

Pamene ntchito ya matkapitala inaloledwa?

Malingana ndi malamulo, mungagwiritse ntchito ndalama zomwe zimaperekedwa ndi matenda pokhapokha mwanayo (omwe chikolecho chaperekedwa) ali ndi zaka zitatu. Ngati m'banja lanu mutenga ngongole kapena nyumba ina ya ngongole kale (kale lisanafike kalata yanu), ndiye kuti simukuyenera kuyembekezera kuti mwanayo afikitse chiwerengero cha zaka zotchulidwa pamwambapa.

Pachifukwa ichi, kubwezera ngongole kapena gawo lake kumaloledwa mwamsanga mutangotulutsa chikalata. Panthawi imodzimodziyo, ndalama zochepa zogulira nyumba za ngongole zimakhala zochepa kwambiri, zimakhala zosavuta kubwezera ngongole yaikulu ya ngongole ndi chidwi pa nthawi. Koma bwanji kulipira ngongole ya wogula ndi kholo la kholo? Ndipo kodi pali mwayi wokwaniritsa cholinga ichi?

Kodi ndizosatheka bwanji kumagwiritsa ntchito маткапитал?

Mpumulo sungagwiritsidwe ntchito pa zosowa zaumwini, zosagwirizana ndi kupeza nyumba ndi kukonzanso malo okhala kwa ana ndi makolo awo. Ndipo, mwatchutchutchu, Dipatimenti ya State Pension sichidzakulolani kuchita izi. Simungathe kupeza chithandizo pa zosowa izi:

• Kugula malo;
• Kulipira ngongole ya ogula kuti agulitse zipangizo zapakhomo ndi katundu wina;
• Kulipira ngongole kumaselo othandizira anthu ;
• Kubwezeretsa nyumba yokhalamo kapena kukonza m'chipinda chimene banja limakhalamo;
• Kugula zipangizo zamakono ndi zipangizo zofunika kuti ntchito yokonza.

Simungagwiritse ntchito chithandizo chakumayi kulipira chithandizo ndipo simukuloledwa kutenga ndalama zomwe mwalemba. Panthawi imodzimodziyo, malamulo ndi boma sizingatheke kubwezera ngongole ya ogula malonda ndi ndalama za amayi ku Savings Bank kapena ku bungwe lina la ndalama. Yankho la funso limeneli liyenera kulankhulidwa kwa oimira Pulezidenti ya Pension.

Kodi ndalama za pensions zimati chiyani za ngongole?

Ngati mutumizira oimira ndalama zapenshoni za boma (pamalo omwe mukukhala) pafunso ili pamwambapa, adzakuyankhani zotsatirazi: malinga ndi malamulo omwe alipo, simungagwiritse ntchito ndalama kuti mutengere ngongole. Izi zikuchitika chifukwa chakuti, monga lamulo, ngongole za ogula sizimaperekedwa chifukwa chachindunji. Kawirikawiri izi ndi ngongole za banki za zomwe zimatchedwa zosowa zaumwini.

Tidzabwereza. Kugwiritsa ntchito matkapital ndizotheka kubwezera ngongole ya ngongole. I. Zikhoza kukhala kokha ngongole yokonzekera nyumba kapena yomanga nyumba. Kuwonjezera apo, matkapital ingagwiritsidwe ntchito mmalo mwa gawo loyamba la ngongole ya banki ya nyumba. Ngongole za ogula ntchito sizimagwirizana ndi ngongole zogwirira ntchito, choncho kubwezeredwa kwawo pogwiritsa ntchito amayi awo akukhala koletsedwa. Koma momwe mungabwezere ngongole ya wogula ndi kholo la makolo ku Sberbank kapena banki ina iliyonse, ngati, popanda kudziwa izi, mwakhala mukupereka ngongoleyi?

Nanga bwanji ngati ngongole yogula ogula inatengedwa ndikugulitsidwa nyumba?

Izi zimachitika kuti, popanda kumvetsetsa lamulo, makolo mwamsanga amalandira ngongole yogula ogulitsa kuti agule nyumbayo pogwiritsa ntchito ngongole. Komabe, atadziwa kuti izi sizingatheke, amatha kukhumudwa. Pambuyo pa kubadwa kwa mwana wachiwiri, pamene mmodzi yekha wa akuluakulu akugwira ntchito, ena akuganiza za momwe angalipire ngongole ya wogula ndi ndalama za amayi ake kuti asunge.

Pali vuto la kulipira ngongole ku matkapitalom. Pulezidenti ya Pension ndi yovuta kutsimikizira chirichonse, kotero iwe uyenera kupita kukhoti. Mukamapereka chigamulo, chimodzi mwa mfundo zomwe zili mu Gawo 10.265 la Federal Law ziyenera kutchulidwa, zomwe zikunena zinthu monga izi: Mkulu wamayi amaloledwa kugwiritsidwa ntchito pazinthu zogulitsa zokhudzana ndi kupeza nyumba. Chikhalidwe chachikulu - sayenera kutsutsana ndi lamulo.

M'khoti ndikofunikira kusonyeza zikalata zomwe zimatsimikizira kuti ndalama zogulira ngongole zimagwiritsidwa ntchito kugula nyumba ndipo adapangidwa ndikuganizira onse a m'banja, kuphatikizapo ana. I. Zofuna za ana aang'ono zinaganiziranso.

Kodi kutha kwa malamulo ndi ntchito za boma ndi chiyani?

Kuthetsa mkangano ndi Pulezidenti ya Pension ndi kotheka ndi chigamulo cha khothi, ndipo zotsatira zabwino za zomwe zikuchitikazo sizingakhale zosiyana ndi malamulo, ndipo sizingakhale zovomerezeka kuchita mogwirizana ndi dongosolo lino.

Choncho, ngati simukudziwa momwe mungagwiritsire ntchito ngongole ya ogula ndi ndalama za ndalama za amayi ndikusunga ndalama, musamachite mwamsanga. Pambuyo, funsani akatswiri a Pulezidenti ya Pension. Ganizirani zabwino ndi zachinyengo.

Chidule: Kugwiritsa ntchito chithandizo chaumoyo sikuyenera kupita kupitirira lamulo. Apo ayi, mumayesetsa kutenga ngongole zopanda malire, mutenge mitsempha yambiri, ndikuyesera kutsimikizira mlandu wanu.